Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota RAV4 Hybrid are $1,146 every 12 months for full coverage insurance. Comprehensive costs approximately $240 each year, collision costs $380, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing around $2,468. 16-year-old drivers pay the highest rates at $4,330 a year or more.
Average premium for full coverage: $1,146
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and RAV4 Hybrid models.
Price Range from Low to High
For an average driver, Toyota RAV4 Hybrid insurance prices go from the cheapest price of $438 for just liability insurance to a high rate of $2,468 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and their own driving history, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $668
- Choosing higher $1,000 deductibles can save $142 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,146
- Buying low deductibles for comp and collision coverage increases the price to $1,416
- Unlucky drivers with multiple tickets or accidents could pay around $2,468 or more
- The price to insure a teen driver can cost $4,330 each year
Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the model of your RAV4 Hybrid.
Opting for high physical damage deductibles can save as much as $420 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 136% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota RAV4 Hybrid insurance prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,550 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$110 | -9.6% |
| Alaska | $878 | -$268 | -23.4% |
| Arizona | $948 | -$198 | -17.3% |
| Arkansas | $1,146 | -$0 | 0.0% |
| California | $1,304 | $158 | 13.8% |
| Colorado | $1,092 | -$54 | -4.7% |
| Connecticut | $1,176 | $30 | 2.6% |
| Delaware | $1,294 | $148 | 12.9% |
| Florida | $1,428 | $282 | 24.6% |
| Georgia | $1,058 | -$88 | -7.7% |
| Hawaii | $822 | -$324 | -28.3% |
| Idaho | $776 | -$370 | -32.3% |
| Illinois | $852 | -$294 | -25.7% |
| Indiana | $862 | -$284 | -24.8% |
| Iowa | $772 | -$374 | -32.6% |
| Kansas | $1,088 | -$58 | -5.1% |
| Kentucky | $1,562 | $416 | 36.3% |
| Louisiana | $1,694 | $548 | 47.8% |
| Maine | $708 | -$438 | -38.2% |
| Maryland | $946 | -$200 | -17.5% |
| Massachusetts | $914 | -$232 | -20.2% |
| Michigan | $1,988 | $842 | 73.5% |
| Minnesota | $960 | -$186 | -16.2% |
| Mississippi | $1,370 | $224 | 19.5% |
| Missouri | $1,016 | -$130 | -11.3% |
| Montana | $1,228 | $82 | 7.2% |
| Nebraska | $902 | -$244 | -21.3% |
| Nevada | $1,372 | $226 | 19.7% |
| New Hampshire | $826 | -$320 | -27.9% |
| New Jersey | $1,280 | $134 | 11.7% |
| New Mexico | $1,012 | -$134 | -11.7% |
| New York | $1,206 | $60 | 5.2% |
| North Carolina | $660 | -$486 | -42.4% |
| North Dakota | $938 | -$208 | -18.2% |
| Ohio | $790 | -$356 | -31.1% |
| Oklahoma | $1,176 | $30 | 2.6% |
| Oregon | $1,050 | -$96 | -8.4% |
| Pennsylvania | $1,090 | -$56 | -4.9% |
| Rhode Island | $1,526 | $380 | 33.2% |
| South Carolina | $1,038 | -$108 | -9.4% |
| South Dakota | $966 | -$180 | -15.7% |
| Tennessee | $1,002 | -$144 | -12.6% |
| Texas | $1,380 | $234 | 20.4% |
| Utah | $846 | -$300 | -26.2% |
| Vermont | $784 | -$362 | -31.6% |
| Virginia | $686 | -$460 | -40.1% |
| Washington | $884 | -$262 | -22.9% |
| West Virginia | $1,050 | -$96 | -8.4% |
| Wisconsin | $790 | -$356 | -31.1% |
| Wyoming | $1,018 | -$128 | -11.2% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2023 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2022 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2021 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2019 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2018 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
| 2017 Toyota RAV4 Hybrid | $224 | $350 | $390 | $1,100 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Toyota RAV4 Hybrid Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a brief summary of the data that was covered in the above illustrations.
- It is possible to save around $140 per year simply by quoting online in advance
- Policyholders who purchase increased liability limits will pay around $430 annually to raise limits from a low limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, as much as $361 a month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,320 more per year to insure a Toyota RAV4 Hybrid
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,330 |
| 20 | $2,620 |
| 30 | $1,186 |
| 40 | $1,146 |
| 50 | $1,046 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,146 |
| 50/100 | $1,224 |
| 100/300 | $1,322 |
| 250/500 | $1,575 |
| 100 CSL | $1,263 |
| 300 CSL | $1,478 |
| 500 CSL | $1,634 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,162 |
| 20 | $4,174 |
| 30 | $2,516 |
| 40 | $2,468 |
| 50 | $2,356 |
| 60 | $2,332 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $60 |
| Homeowner | $18 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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